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Upgrade my credit card FAQs

As your needs change, you could get more out of your credit card by switching to another St.George card.

Before you apply, you should compare our credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call us on 13 33 30 or visit a branch to discuss these products.

You remain liable for any outstanding transactions made on your existing card. Any balances you still owe on your card plus any accrued but unpaid interest on your existing account will be subject to the new product’s Conditions of Use and Fees and Charges.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 33 30.

1. On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited into your account.

2. The earning of Amplify Points are earned on eligible purchases through the use of an Amplify Card and is subject to the Amplify Rewards and Amplify Qantas Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals. You are not entitled to amplify points in other specified circumstances. You need a minimum of 3,000 Amplify Points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

3. The earning of Qantas Points are earned on eligible purchases through the use of an Amplify Card is subject to the Amplify Rewards and Amplify Qantas Terms and Conditions. Qantas Points are not earned on cash advances, balance transfers and any withdrawals. You are not entitled to Qantas Points in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but St.George has arranged for this to be waived for a limited time, for new Amplify cardholders who aren’t already members who choose to link their Amplify Card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 2227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions which may be amended from time to time. Westpac does not guarantee this insurance.

5. Visa Platinum/Visa Signature Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.